COF vs. WSE: Capital One Financial vs. Wise Stock Comparison

Company Profile

Capital One Financial (COF) and Wise (WSE) both fall under the Financial Services industry group, but COF is classified in Consumer Finance while WSE is classified in Financial Services.

Capital One Financial (COF) has been public since November 16, 1994, giving it decades of market history across multiple cycles, while Wise (WSE) listed only on May 11, 2026 and lacks comparable through-cycle data.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Both COF and WSE need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Wise (WSE) at 27.23% sits in the top ROE quartile, while Capital One Financial (COF) at 9.39% is closer to the peer norm — stronger capital efficiency for WSE.

Both Capital One Financial (COF) at 22.23% and Wise (WSE) at 19.93% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Wise (WSE) at 59.77% operates in the top operating margin quartile, ahead of Capital One Financial (COF) at 37.83%, which runs around its industry’s norm.

Profitability Metrics

Growth

Capital One Financial (COF) at 36.62% sits in the top revenue growth quartile, while Wise (WSE) at 17.14% is closer to the peer norm — faster top-line expansion for COF.

Wise (WSE) at -5.78% is around its peer norm for EPS growth, while Capital One Financial (COF) at -65.23% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Capital One Financial (COF) in Financial Services and Wise (WSE) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Capital One Financial (COF) in Financial Services and Wise (WSE) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Wise (WSE) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Capital One Financial (COF) reports a yield of 1.57%, ranking against industry peers normally.

Wise (WSE) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Capital One Financial (COF) reports a payout of 19.61%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Capital One Financial (COF) at 12.37 and Wise (WSE) at 23.23 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

On P/S ratio, both Capital One Financial (COF) at 2.48 and Wise (WSE) at 4.30 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Capital One Financial (COF) at 1.15 is valued about in line with its industry on P/B ratio, while Wise (WSE) at 5.94 carries an above-peer premium to book — WSE is pricier on assets.

Valuation Metrics